Home Loan Bad Credit | Effective Credit Repair | Best Credit Repair at eCredit Magic

We are the Nation's Leading Full Service Credit Repair Company producing Expedited Industry Leading Results. We successfully remove every form of negative credit, yes, including bankruptcies, Tax Liens, Judgments, Foreclosures, Repossessions ... . Currently we do zero advertising, all of our business is through referral.

We are utilizing a 15 year old process that has been database driven utilizing the same technology as all the major Internet search engines and portal providers. This ensures high availability and quality of service for all of our clients. We understand the necessity of delivering a first class service offering this is the reason for our extensive investment into our proprietary software. This clearly illustrates our commitment to provide industry leading result for each and every client.

Yes we leverage loopholes in the laws that govern the Credit Bureaus and creditors to permanently remove negative credit on behalf of our clients. In summary we are applying the knowledge gained over the last 15 years to force the Credit Bureaus and creditors to correct inaccuracies in their reporting. The permanent correction of these inaccuracies has enabled us to permanently remove every form of negative credit. Yes our legal process provides permanent industry leading results.

Before I answer this question let me ask you a couple questions. 1. Do you know how to read a copy of your credit report ? 2. Do you know the loopholes in the law to leverage for the permanent removal of a slow payment ? 3. Were you aware that there are numerous different strategies for credit repair and not all of them provide permanent removal ? Yes you can attempt to repair your own credit. It is possible but not very probable. In enrolling numerous clients that were unsuccessful in repairing their credit I have noticed the following: 1. 1 out of 100 individuals were claiming success in repairing their own credit. 2. It took an average of two years for the alleged successful individuals that had repaired their own credit to get enough results to utilize their credit again. 3. Those alleged successful clients ended up enrolling with us the next time they experienced some credit trauma. The common response I received was for $500 it is not worth my time and trouble.

The process is very simple, as a reminder we do all the work.
1. You submit your order online with payment.
2. We receive your order and pull credit on you.
3. We identify all the negative credit within your credit report.
4. We then create you an account in out database ( Which E-Mails your login information ).
5. We then input every negative item for all three credit bureaus classifying each item and matching it with the appropriate loophole in the credit laws for removal.
6. Then we create our disputation that is sent directly to all three credit bureaus
7. We then send you a welcome packet that once again goes over the process and provides all of our support contact information.
8. You will receive reports in the mail from all three credit bureaus that will provide round results. The only thing that you have to do to ensure maximum results is to fax or mail these reports and all correspondence from the three credit bureaus to the processing center and we do everything else.
9. You will receive reports/correspondence from all three credit bureaus every 45 days

It is very important that you understand how the paying of collections impacts your credit report. For this discussion let's imagine you have a $65 medical collection. I know what you are thinking let me just pay them the $65 and get this taken care of. There are a couple of different scenarios when you pay a collection:
1. The collection agency collects your $65 and then just sells the debt to another collection agency.
2. The collection agency collects your $65 and then updates your credit report to a zero balance indicating that you no longer owe this debt. Now for the bad news you just lowered your score. When the collection agency updated your credit report to a zero balance it also updated the date of last activity. When a negative item is fresh it carries a higher point value then after it seasons for a while. In summarization, You just paid money to lower your credit score !

Our process is setup to permanently remove collections whether the debt has been paid or not.

We advise our client to inform all collection agencies the following:
"WE DO NOT HANDLE OUR BUSINESS OVER THE TELEPHONE PLEASE SEND US SOMETHING IN THE MAIL"
The collection agency obviously is not going to just hang up. Repeat this a couple of times to them and then just tell them the following: " I AM GOING TO HANG UP NOW "

NO CURSING, NO THREATS ABOUT LAWSUITS, NO YELLING

Every client receives results every 45 days. We refer to this 45 day cycle as a round of credit repair. Every client's credit repair needs are different because credit reports are like fingerprints every one is different. In performing credit repair over the last years I have noticed the following, credit repair clients fall into one of two categories:
Category 1 = These are the clients that just need an improvement of 50 points or less in their credit score to obtain the financing they are after.
Category 2 = These are the clients that need more than a 50 point improvement in their credit score to obtain the financing they are after. Fact Most Category 2 clients have two problems with their credit report. They obviously have negative credit in their credit report. This negative credit has restricted the client from getting further financing so the client has been forced to operate in a cash & carry mode. This cash & carry mode leaves the client without positive credit to pull the credit score up as the negative item are removed from the client's credit report. These clients will need to strengthen their credit with the addition of positive credit. See next FAQ for details on how to add positive credit.

Most Category 1 clients can start using their credit again after 2 to 3 rounds of credit repair. Category 2 clients need to allow 3 to 4 rounds before anticipating to use their credit.

Positive Credit can come in a couple different types. The strongest positive credit is open accounts that have never been paid late. Closed accounts that were paid off and never paid late are too positive credit however these credit lines do not carry the point value of open never paid late credit lines. Fact most low interest rate lender programs for home mortgages require a minimum of three open positive ( Never Paid Late ) credit lines. Over the years I have tried allot of different sources for the legal addition of positive credit. Currently we only advocate one source for the adding of positive credit to a client's credit report. Here is the link for our Secured and Unsecured Credit Cards You will find cards of different types and situations:

1. Guaranteed approval
2. Security Deposit is FDIC insured
3. Low Fee setup for both: Visa & Mastercard
4. Low Minimum Security Deposit
5. Reporting to all 3 Credit Bureaus Monthly
6. No Credit Check

We tell all clients that need to strengthen their credit to use these cards to purchase groceries, gas, etc. once a month and then pay them off early every month and in less than 6 months they should be able to qualify for an unsecured credit card. After you get your unsecured credit card you can cancel these credit cards and get your security deposit back. Basically this is what it takes to get your credit back on track when your situation requires the addition of Positive Credit Lines.

10. Why doesn't eCreditMagic advocate other sources for the addition of Positive Credit ?

There are allot of other sources for the addition of positive credit however these other sources are not reliable and sometimes illegal. Probably the most common other source for adding positive credit is the Authorized User strategy. You find someone with a credit card with good payment history and a low balance and they add you as an authorized user on their credit card so that you obtain their credit history on this account. Here are a couple problems with this strategy:
1. Most Credit Card companies are not reporting credit on authorized users anymore unless it is negative. Think about it you go in for a home loan you are 10 points shy of qualifying for 100% financing so the loan officer instructs you to contact a family member to add you as an authorized user. Fast forward 30 days later your loan officer pulls your credit again and you qualify for 100% financing. You close on your loan and then your family member cancels you as an authorized user. Yes you purchased the home however you and your loan officer just committed loan fraud and the credit card company just took a loss to issue and cancel credit cards and report your info to all three credit bureaus.

We do not advocate shortcuts that leave our clients in compromising positions !

Obviously one of the strengths of our program is the ability of our online results tracking. However we do realize that in order for our clients to access their account online they will need a computer with internet access. We provide unlimited toll free customer service. This toll free customer service is available Monday thru Friday 8am - 5pm CST. Customer Service is available in both English and Spanish. Si, ayudamos a nuestros clientes en ingles y español.

We cure home loan bad credit problems, we have the most effective credit repair services of all.

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